08514 ZIP Code — Cream Ridge, NJ

Monmouth County, New Jersey

ZIP code 08514 is located in Cream Ridge, New Jersey, within Monmouth County. It covers approximately 27.35 square miles and serves a population of 5,597 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 609.

About ZIP code 08514

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $485,900. Owner-occupancy is high at 93%, well above the national average.

The gap between median ($120,811) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 7% is below the national average. 35% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. An above-average commute of 41 minutes suggests many residents work outside the immediate area.

Educational attainment is near the national average, with 40% of residents holding a bachelor's degree or higher.

Overall, ZIP code 08514 reflects a community defined by high homeownership and a significant Social Security-dependent population.

5,597

population

27.35

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

08514 ZIP code map

Cities in ZIP code 08514

Below are the cities the US Postal Service accepts for ZIP code 08514. Using any city not on this list may result in mail delivery delays.

City	Status
Cream Ridge	Acceptable
Cream Ridge	Preferred

Nearby ZIP codes

08501 Allentown (3 mi) 08533 New Egypt (3.3 mi) 08510 Millstone Township (5.2 mi) 08535 Millstone Township (7.1 mi) 08691 Robbinsville (7.3 mi) 08562 Wrightstown (7.3 mi) 08527 Jackson (7.6 mi) 08511 Cookstown (8 mi) 08520 Hightstown (8.3 mi) 08515 Chesterfield (8.4 mi) 08641 Joint Base Mdl (8.6 mi) 08620 Trenton (8.6 mi)

Demographics updated 05/2026

Population
Total population	5,597
Population density	205 / sq mi
State FIPS	34
County FIPS	025

Geography
Land area	27.35 sq mi
Water area	0.53 sq mi
Latitude	40.1300
Longitude	-74.4940
Timezone	Eastern (ET)
Area code	609

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	24.9%	24.4%	30.2%
$50k – $100k	21.1%	24.0%	26.7%
$100k – $200k	25.3%	31.1%	28.3%
Over $200k	28.8%	20.5%	14.8%

Demographics & statistics

5,597

Population

205

People per sq mi

41.3

Median age

$120,811

Median household income

$65,899

Per capita income

$485,900

Median home value

$1,425

Median monthly rent

92.6%

Home ownership

6.6%

Poverty rate

6.7%

Unemployment

2,112

Housing units

39.9%

Bachelor's or higher

Age distribution

Male Female

194

Under 5

207

211

5–9

225

138

10–14

146

156

15–19

166

196

20–24

208

173

25–34

184

421

35–44

448

366

45–54

389

196

55–59

208

194

60–64

206

275

65–74

293

138

75–84

146

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,341	24.0%
18 and over	4,256	76.0%
65 and over	965	17.2%
Median age	41.3 years

Race & ethnicity

White 89.1%

Two or more races 3.8%

Asian 3.7%

Hispanic or Latino 3%

Black or African American 0.5%

Group	Count	%
White	5,140	89.1%
Two or more races	219	3.8%
Asian	212	3.7%
Hispanic or Latino	174	3%
Black or African American	26	0.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	24.9%	24.4%	30.2%
$50k – $100k	21.1%	24.0%	26.7%
$100k – $200k	25.3%	31.1%	28.3%
Over $200k	28.8%	20.5%	14.8%

Under $10k 3.0%

$15k–$25k 7.4%

$25k–$35k 3.8%

$35k–$50k 7.2%

$50k–$75k 19.7%

$75k–$100k 4.2%

$100k–$150k 15.7%

$150k–$200k 11.6%

$200k+ 27.3%

Range	% of households
Under $10k	3.0%
$15k–$25k	7.4%
$25k–$35k	3.8%
$35k–$50k	7.2%
$50k–$75k	19.7%
$75k–$100k	4.2%
$100k–$150k	15.7%
$150k–$200k	11.6%
$200k+	27.3%
Median income	$120,811

Housing

Home values

Under $50k 2.1%

$50k–$100k 3.8%

$100k–$150k 3.8%

$150k–$200k 1.2%

$200k–$300k 15.0%

$300k–$500k 25.9%

$500k–$1M 38.0%

$1M+ 10.2%

Housing overview

Metric	Value
Median home value	$485,900
Median rent / month	$1,425
Owner occupied	92.6%
Renter occupied	7.4%
Vacant	8.6%
Single-family detached	85.0%
Large apartment buildings	0.0%
Mobile homes	10.3%
Median rooms	8.0
Avg household size (owned)	2.70

Year built

Era	%
2020 or later	0.8%
2010–2019	8.6%
2000–2009	24.5%
1990–1999	18.0%
1980–1989	14.6%
1970–1979	14.4%
1960–1969	7.0%
1950–1959	3.0%
1940–1949	1.1%
1939 or earlier	7.9%

Bedrooms

Size	% of units
No bedroom (studio)	1.6%
1 bedroom	0.8%
2 bedrooms	14.4%
3 bedrooms	42.0%
4 bedrooms	33.7%
5+ bedrooms	7.5%

Vehicles per household

Vehicles	% of households
No vehicle	4.0%
1 vehicle	27.7%
2 vehicles	36.9%
3 or more	31.4%

Heating fuel

Fuel type	%
Utility gas	47.1%
Electricity	8.5%
Propane / LP gas	8.6%
Fuel oil	34.2%
Wood	1.6%

Households & families

Household type	Count	%
Married-couple family	1,173	56.6%
Cohabiting couple	181	8.7%
Male householder, no spouse	285	13.8%
Female householder, no spouse	432	20.9%
Households with children under 18	666	32.2%
Households with seniors (65+)	716	34.6%
Average household size	2.70

Marital status

Status	Male	Female
Never married	24.1%	30.8%
Married	60.3%	49.2%
Separated	0.9%	0.0%
Widowed	4.6%	14.7%
Divorced	10.0%	5.4%

Education

Less than 9th grade 3.3%

Some HS, no diploma 2.5%

HS graduate 30.8%

Some college, no degree 16.2%

Associate's degree 7.4%

Bachelor's degree 30.2%

Graduate / professional 9.7%

Metric	%
HS diploma or higher	94.2%
Bachelor's or higher	39.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	114	9.5%
Kindergarten	140	11.7%
Elementary school	491	40.9%
High school	268	22.3%
College / grad school	188	15.7%

Employment

Industry of employment

Education & healthcare 19.2%

Construction 13.9%

Finance & real estate 13.2%

Manufacturing 11.5%

Professional & management 7.5%

Retail trade 6.7%

Information 6.0%

Transportation & utilities 5.1%

Arts, food & hospitality 4.5%

Wholesale trade 4.3%

Other services 3.3%

Public administration 3.3%

Agriculture & mining 1.6%

Occupation

Category	%
Management, business & arts	48.2%
Service	6.3%
Sales & office	23.0%
Natural resources & construction	15.3%
Production & transportation	7.2%

Employment type

Type	%
Private sector	85.4%
Government	13.1%
Self-employed	1.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	77.4%
Carpool	7.9%
Public transit	0.6%
Walk	0.7%
Work from home	12.0%
Other means	1.4%
Avg commute (minutes)	40.9

Poverty

All people 6.6%

Under 18 years 9.9%

18 and over 5.6%

Married-couple families 0.0%

Female-led households 25.6%

Income support

Source	% of households
Social Security	35.3%
Retirement income	36.2%
Supplemental Security	0.7%
Cash public assistance	1.0%
Food stamps / SNAP	0.0%

Health indicators

Condition	%
Obesity	25.6%
High blood pressure	0.0%
High cholesterol	0.0%
Diabetes	8.6%
Heart disease	5.9%
Stroke	2.5%
Asthma	9.5%
Arthritis	23.1%
Kidney disease	2.5%
Pulmonary disease	5.6%
Cancer	7.1%

Behavior / access	%
Smoking	12.8%
Binge drinking	18.3%
No physical activity	18.2%
Less than 7 hrs sleep	34.0%
Depression	18.0%
Fair or poor health	10.2%
Poor mental health	13.1%
Poor physical health	8.4%
No health insurance	10.0%
Visited doctor (checkup)	75.8%
Visited dentist	70.6%
Cholesterol screening	0.0%
Teeth loss	9.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	245	5.8%

Disability	%
Any disability	12.7%
Under 18	0.0%
18–64 years	16.3%
65 and over	17.8%

Health insurance coverage

Type	%
Private insurance	87.0%
Public insurance	21.8%
No insurance	3.2%
Uninsured under 19	3.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	5,196	92.8%
Spanish	125	2.4%
Other Indo-European	66	1.3%
Asian & Pacific Islander	14	0.3%
Other languages	45	0.9%

Place of birth & citizenship

Origin	Count	%
Native born (US)	5,318	95.0%
Born in same state	5,282	94.4%
Born in different state	4,360	77.9%
Foreign born	36	0.6%
Naturalized citizen	279	5.0%
Not a US citizen	262	93.9%

Ancestry

Ancestry	Count	%
French	917	16.4%
Italian	871	15.6%
Arab	381	6.8%

Ancestry	Count	%
Polish	137	2.4%
Irish	109	1.9%
English	5	0.1%

Technology access

Metric	% of households
Computer access	37.0%
Internet access	94.4%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 08514

What city is ZIP code 08514 in?

ZIP code 08514 is primarily assigned to Cream Ridge, New Jersey.

What county is ZIP code 08514 in?

ZIP code 08514 falls within Monmouth County, New Jersey.

Is ZIP code 08514 mostly owner-occupied?

93% of occupied units in ZIP code 08514 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 08514?

The median home value in ZIP code 08514 is $485,900.

Does ZIP code 08514 have a large retiree population?

35% of households in ZIP code 08514 receive Social Security income, suggesting a significant retiree or disability population.

What is the median household income in ZIP code 08514?

The median household income in ZIP code 08514 is $120,811, above the national median of ~$75,000.

What timezone is ZIP code 08514 in?

ZIP code 08514 observes the EST timezone.